Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Pay for whatever you need with an All-purpose Loan

Buy appliances, pay for braces, purchase gifts and landscaping, pay for vacations and weddings, and more.

Start your All-purpose Loan today

Apply here or call us at 800-732-0173.

* Annual percentage rate (APR) based on specified loan term, includes .50% discount for automatic payment transfer and .25% discount for Premier membership. If you delete automatic payment or Oregon State Credit Union terminates your automatic payment due to insufficient available funds, this interest rate may be increased by .50% for the remaining term of the loan. Loan payment examples: A $5,000 signature loan with 5.99% APR for 36 months has a monthly payment of $152.09. A $5,000 signature loan with 13.00% APR for 60 months has a monthly payment of $113.77. Loan rates and terms are subject to change without notice and are based on your credit qualifications and the amount financed.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

All-purpose loans and lines of credit

As an Oregon State Credit Union member, you can access a variety of secured or unsecured personal loans. Whether you prefer an open-ended line of credit or a loan with a specific term, we have several options to meet your financing needs. Getting a loan is easy. To apply for a home equity line of credit click here. For a personal loan or line of credit, click here. If you prefer, visit any of our branches or call 800-732-0173.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Cover, protect, repair your vehicles

1. The above rates are reflective of a range of rates available, depending upon your credit qualification, a .50% reduction by maintaining automatic payment, and .25% reduction for members in the Premier Merits category. Using this example, a $10,000 new RV/Boat loan of 72 months at 3.75% APR will have a monthly payment of $155.34. A $20,000 new RV/Boat loan of 120 months at 4.00% APR will have a monthly payment of $202.54. If you delete your automatic payment request or the Credit Union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Student loans

Sallie Mae’s 1-2-3 Approach to Paying for College

With Sallie Mae’s 1-2-3 Approach to Paying for College, students and families will tap the most affordable education funds first and minimize education loan debt upon graduation.

Step 1: Use Free Money First. Students should fill out the FAFSA to access need-based grants and research and apply for scholarships. Students should consider supplementing grants and scholarships with other funding sources.

Step 2: Explore Federal Loans. You can qualify for a federal unsubsidized Stafford loan regardless of financial need. It has a fixed interest rate and flexible repayment options.

Step 3: Fill Any Gap with Private Student Loans. After students have pursued free money and federal loans, private student loans may be available to cover the rest of their education costs.

Private Student Loans

Now you can pay for college the smart way with great repayment options! The Oregon State Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Helpful tools

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

2. The 2.49% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payments and a .25% reduction for members in the Premier Member Merits category. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.49% APR will have a monthly payment of $177.43.

3. The 6.75% APR is reflective of a range of rates available. When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate. Rates are current as of date. Visa Rewards has an annual fee of $0 – $25, depending on your Member Merits category.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

TLT Teen Checking

Establishing a checking account will help young members prepare for financial independence by learning responsible spending habits. Our TLT Teen Checking account is a good option for students age 13-18 not yet enrolled in college. Plus high school seniors who have a TLT Teen Checking account are eligible to apply for a $2,000 scholarship. For more details, click here.

No monthly service fee

No minimum balance requirements

Free water bottle

Free Oregon State Credit Union Visa debit card, instantly issued

Free unlimited check writing

Free online account access

Free online bill pay

Free Phone Access Teller (PAT)

Free Oregon State Credit Union ATM use

Free estatements

A parent or legal guardian must be a joint owner of the account until student turns 18 years old

Help your student get on the road to financial independence by opening a TLT Checking account. Stop by any of our branches or call 800-732-0173 today. One of our professional Financial Services Consultants will be happy to help you.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Overdraft program

Overdraft protection plan

When you open a checking account, you can designate a variety of Oregon State Credit Union accounts to cover overdrafts. As long as these accounts have enough money available, transactions will go through without a hitch.1 Depending on your Member Merits category, a $4 transfer fee may be added.2

Are you covered? Now is a great time to enable, verify, or update your overdraft protection plan. Pop over to your nearest branch or call us at 800-732-0173 and we’ll be happy to assist you.

All overdraft protection plans cover debit cards. Whether using your debit card for ATM or everyday debit transactions, you now have the same level of protection! Here’s how it works:

Paid NSF (NSF stands for “non-sufficient funds”)

In some cases we may authorize an overdraft on your checking account even though you have non-sufficient funds.3 We then notify you of the overdraft and require you to repay any balance due plus a standard $30 NSF fee. Typically, debit ATM and everyday debit card transactions will be declined while your account is in the red, which may be problematic if you’re dealing with an emergency. However, now you may be able to avoid having your debit card declined by “opting-in” to Paid NSF for debit cards.4

Paid NSF is available for debit cards. Whether using your debit card for ATM or everyday debit transactions, consider adding this extra layer of protection. Here’s how it works:

Benefits of opting-in to Paid NSF for debit card transactions:

Convenience. Rather than being denied, your purchase may be approved when you have non-sufficient funds in your checking account.5

Dignity. Avoid the embarrassment of those awkward “card declined” situations.

Peace of mind. Paid NSF acts as a last line of defense. There is no fee to opt-in, and no fees unless you use the service.

Opt in or out of Paid NSF:
call 800-732-0173

1 For savings and money market accounts, up to six (6) ACH, pre-authorized, telephone transfers, and online account access transfers may be made from these accounts to another account of yours or to a third party in any amount, during any calendar month. If you exceed these limitations the transfer may be refused or returned.

2 Service fees may be reduced or waived for members in the Enhanced and Premier categories of Member Merits. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union.

3 Overdrafts are paid at the discretion of Oregon State Credit Union. This means we do not guarantee to authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts. If Oregon State Credit Union does not authorize and pay an overdraft, your transaction will be declined.

4 Recurring debit card transactions that take your account negative are still subject to a $30.00 fee (for each occurrence) regardless of opt-in status.

5 Negative balances are due immediately and on demand, and must be paid no later than 30 days after the NSF transaction.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Services and options for your debit card

Verified by Visa®

Your online debit card purchases are even more secure these days, thanks to a service through Oregon State Credit Union called “Verified by Visa” At no extra charge, you’re able to add security to your existing Oregon State Credit Union Visa debit card and help prevent unauthorized online purchases before they happen.

No need to get a new card. Register here and Verified by Visa goes into action, helping you avoid identity theft and recovery hassles. Buy something online from participating merchants and you’ll be asked for your Verified by Visa password before the transaction can be completed. That’s it, instant security. Verified by Visa security is linked to your card, not your computer, so you can shop from any computer.

Travel notification

Going on vacation or traveling for business? Help prevent interrupted service with your Oregon State Credit Union debit card. Call us at 800-732-0173 or stop by any branch and let us know your travel plans. That will help our our fraud monitoring service determine if your spending activity is legitimate or if the transactions are occurring outside your normal spending habits.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Checking accounts

We believe in keeping things simple. That’s why there’s nothing complicated about our checking accounts. All have no monthly fees, unlimited check writing and a free Visa debit card. We’ve added a few extra benefits depending on the life stage you’re currently enjoying. Take a look at our options and find the checking account that’s right for you.

If you’re not close to an ATM or computer simply call our automated Phone Access Teller (PAT) to check your balances or make transfers. To speak to one of our helpful Member Service Center Representatives, call 800-732-0173.

Direct deposit

Give direct deposit a try and you’ll never go back. Coming to the branch to deposit your paycheck, IRS tax refund and more is a thing of the past. To start using direct deposit, simply give the Oregon State Credit Union routing number to your payroll department or whomever may be sending you a check. Be sure to include your Oregon State Credit Union account number and which account you want the funds deposited. Need help with direct deposit, come by any branch or give us a call at 800-732-0173?

Direct deposit routing number: 323274270

Auto transfer

Paying your loan each month is easy at Oregon State Credit Union. We can help you set up an automatic transfer from your Oregon State Credit Union account, or you can simply use online account access and set up recurring payments. Either way, you won’t miss a payment and your credit rating will thank you.

Activate your Visa debit card

Lost your Visa debit card?

If you’ve lost your card, time is of the essence. Call 800-732-0173 during our regular business hours. After hours or on the weekend, call 888-802-5240 and we’ll put a stop on your card and protect your finances.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Oregon State Credit Union, entitled to take advantage of all the benefits, products and services available to our members. No monthly service fee will be assessed when you maintain a $250 balance or have at least one other account type with Oregon State Credit Union. To open an account, stop by any branch, give us a call at 800-732-0173, or open an account online.

Scottie Savers Club

Just for kids, the Scottie Savers Club teaches those 12 and under about saving money and setting goals. Membership fees are waived, and your little savers start earning dividends with a $5 balance. For every $5 deposited, one Scottie Buck is earned that can be redeemed at any of our branches for toys, games and other fun stuff. To open an account, stop by any branch or give us a call at 800-732-0173.

TLT Savings

Tomorrow’s Leaders Today Savings provides the perfect solution for members age 13-18 who are not enrolled in college. TLT members enjoy a discounted membership fee and start earning dividends with a $5 balance. To open an account, stop by any branch or give us a call at 800-732-0173.

Rates as of date

* Basic Savings must maintain a minimum daily balance above $250 or, if below $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. $3 fee not applicable to Scottie Savers or TLT Accounts.

** Minimum balance that must be maintained each day to earn dividends.

Accounts

Minimum Balance to Open Account

Minimum Balance to Earn Dividends

Dividend rate / Annual percentage yield

Basic Savings*

$5

$100**

0.03% / 0.03%

Scottie Savers

$5

$5**

0.03% / 0.03%

TLT Savings

$5

$5**

0.03% / 0.03%

Members under 18 require a parent or guardian as a joint signer.

Federal Regulation D limits pre-authorized, automatic telephone transfers and online transfers from savings and money market accounts to another account of yours or to a third party in any amount to no more than six per month.

Complete deposit rate information is available here and complete account service fee information is available here.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Investor’s Money Market

Service fees: $20 minimum balance fee, $55 for early closure if account held less than three months.

Balance Ranges

Dividend Rate

Annual Percentage Yield

$0 – $9,999

N/A

N/A

$10,000 – $24,999

0.10%

0.10%

$25,000 – $49,999

0.12%

0.12%

$50,000 – $99,999

0.15%

0.15%

$100,000 and up

0.20%

0.20%

*Federal Regulation D limits pre-authorized, automatic telephone transfers and online transfers from savings and money market accounts to another account of yours or to a third party in any amount to no more than six per month.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Automatic renewal

Members will receive a maturity notice shortly before the certificate matures. The certificate can automatically be renewed at the dividend rate in effect on the renewal date. Members will receive notices electronically when you register for estatements.

Rates as of date

Dividend Rate – Rate may be increased by .15% for the members in the Enhanced category or .25% for members in the Premier category of Member Merits. Does not apply to Business/Organization Accounts, excluding Trust Accounts. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. See below for criteria for each category.

Premier Category: Four or more account types and a combined balance of more than $25,000. Enhanced Category: Three or more account types and a combined deposit and loan balance of more than $5,000 and up to $25,000; or three account types and a combined deposit and loan balance of more than $25,000. Essential Category: One or more account types or a combined balance of up to $5,000. Memberships in the same household may be combined to reach these categories.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Health Savings Account (HSA)

A Health Savings Account (HSA) can be utilized as part of a High Deductible Health Plan (HDHP). It’s a savings account that allows you to pay for health expenses and build savings for future qualified medical health expenses on a tax-free basis*. You, your employer or another person can make contributions on your behalf.

Benefits of an Oregon State Credit Union HSA

Savings account with a free Visa debit card, instantly issued

Accumulated earnings are tax-deferred

Membership fee may be waived

No monthly service fee

No annual administration fee

Contributions are tax deductible* and can be made throughout the year

Funds remain in your account from year to year. You don’t have to “use it or lose it” each year like flexible spending plans

You continue to own your HSA account even if you change jobs or health insurance

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Individual Retirement Accounts (IRA)

Retirement. It’s one of those “someday” scenarios that requires long-term planning. An Individual Retirement Account (IRA) is an important savings tool because of their tax advantages*. We offer four great options.

Traditional IRAs

Roth IRAs

SEP IRAs

Coverdell Education Savings Account

Features

IRA savings or certificate accounts allow eligible members to make tax-deductible contributions* up to $5,500

Members older than 50 can make an additional $1,000 catch-up contribution

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Savings

With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Oregon State Credit Union, entitled to take advantage of all the benefits, products and services available to our members. Maintaining a balance in your Basic Savings Account represents your piece of the credit union.

Saving money is easy with Oregon State Credit Union’s savings account options. Choose from any of the accounts below, set up automatic transfers using online account access and start saving. You’ll have access to your accounts through free online banking, mobile banking, thousands of surcharge-free ATMs, and with PAT, our automated phone access teller.

Your money’s safe and secure

All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Oregon State Credit Union, ask us how you can maximize your coverage.

Member Merits benefits

At Oregon State Credit Union relationships matter. That’s why we’ve created Member Merits. It’s our way of thanking members for their relationships. The more business you do with us the more benefits (free or discounted services) you receive. All deposit and loan balances are used to calculate your monthly Member Merits category.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Visa Value card features

Visa Value card styles

3. The 6.75% APR is reflective of a range of rates available. When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate. Rates are current as of date. Visa Rewards has an annual fee of $0 – $25, depending on your Member Merits category.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Teen’s first credit card

Kids are at a significant disadvantage if they start using a credit card without a basic understanding of managing credit, maintaining a good credit history and building a solid credit score. The best way to learn about credit is to use it. That’s why we’ve created a special Visa Value card that helps parents teach young adults how to use a credit card responsibly.

Eligible members, ages 13–18, can apply jointly with a parent or legal guardian for a Teen Visa card and get all the features and benefits of a Visa Value Card, with a reduced credit limit of $250–$500 perfect for a teen’s first credit card.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Easy online access to view your points balance, view reward options and redeem points. You can also call 800-955-5998 to place an order.

Rewards Points enhancements

Perks Points Mall

Receive access to several free perks, including ways for you to earn bonus points

Shop our online network of top national and regional merchants through the Perks Points Mall. You will earn an additional 5 bonus points for every $1 spent, for all transactions using your rewards card

More Points

Get rewarded with incredible savings and 3 extra points for each $1 you spend using your rewards card on the More Points site. Start saving on brand name merchandise and gift cards today

Restaurant.com

Earn everyday points* while you save! You will enjoy savings of up to 40% at over 13,000 restaurants nationwide. Note: Bonus points are not rewarded for purchases at restaurant.com

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

Services and options for your credit card

Automatic payments

Paying your Visa balance or minimum payment each month is easy. We can help you set up an automatic transfer from your Oregon State Credit Union account, or you can simply use online account access and make your reoccurring payments with a click. Either way, you won’t miss a payment.

Verified by Visa

Your online credit and debit card purchases are even more secure these days, thanks to a service through Oregon State Credit Union called “Verified by Visa” At no extra charge, you’re able to add security to your existing Oregon State Credit Union Visa card and help prevent unauthorized online purchases before they happen.

No need to get a new card. Register here and Verified by Visa goes into action, helping you avoid identity theft and recovery hassles. Buy something online from participating merchants and you’ll be asked for your Verified by Visa password before the transaction can be completed. That’s it, instant security. Verified by Visa security is linked to your card, not your computer, so you can shop from any computer.

Payment protection

Payment protection is a low cost way to ensure your loan payments are made if you unexpectedly get hurt or sick, pass away or lose your job. Click here for more information. To add payment protection to your credit card go to any branch call 800-732-0173.

Travel notification

Going on vacation or traveling for business? Help prevent interrupted service with your Oregon State Credit Union debit card. Call us at 800-732-0173 or stop by any branch and let us know your travel plans. That will help our our fraud monitoring service determine if your spending activity is legitimate or if the transactions are occurring outside your normal spending habits.

Skip-a-Payment*

We can all use a little financial breathing room from time to time. As an Oregon State Credit Union member you can apply to skip any one of your Oregon State Credit Union loan payments up to two times per year. Click here for an application.

*You may apply for one or two skips within a 12-month period for each loan. Consumer loans with a 180 month original term are not eligible for skips. Business, payday advance, home equity, real estate, certificate secured and single payment share secured loans are also excluded from this extension.

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Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Other products of interest

Helpful tools

They’re quick, convenient, secure, and can be invaluable in an emergency. But in today’s world, the number of credit card options has become staggering. And many offer enticing “introductory” rates that can end up shocking you with hidden fees. But with an Oregon State Credit Union Visa®, you can breathe a sigh of relief.

We provide two great options — Visa Value and Visa Rewards — with features and benefits that are sure to meet your financial needs. In addition, we offer a special credit card for teens. Check out the benefits of each card, and let us know if we can help you.

As a local, not-for-profit financial cooperative, we’re focused on creating financial solutions for our members. That’s why our credit card programs earned five stars and Credit Card Connection’s Seal of Approval for “fair and ethical practices.” So once you decide which card is right for you, complete the online application, call 800-732-0173 or go to any branch today.

Card advantages

All Oregon State Credit Union credit cards have the following features:

No cash advance fees

No balance transfer fees

No minimum finance charge

No penalty interest rates

Same rate for both purchases and cash advances

Free auto collision damage waiver coverage

Convenient online account access

Accepted at merchants and ATMs worldwide

24/7 free fraud monitoring

Falcon fraud protection

Your card is protected by a fraud monitoring system called Falcon Fraud Manager, which screens card activity 24 hours a day, 7 days a week. If suspicious or unusual activity occurs on your debit or credit card, you are contacted about the legitimacy of the purchase. If you have any questions, please contact us at 800-732-0173.

Home equity line of credit

As low as 3.25% APR1

Contact us

Call 800-732-0173.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Start your home equity line of credit today

1. The 3.25% Annual Percentage Rate (APR) is accurate as of date, and may change without notice. Current HELOC rates range from 3.25% APR to 4.25% APR. Your rate may be higher than the lowest advertised APR and will be based on your loan-to-value (LTV). The 3.25% APR is based on an 80% LTV. The APR will vary based on changes to the Wall Street Journal Prime Rate. The current Wall Street Journal Prime Rate is 3.25%. The minimum rate is 3.25% and the maximum rate is 18%. An annual fee up to $75 may apply after the first year; the annual fee will be based on your Member Merits category. Closing costs to open a HELOC vary between $0 – $1,000. NO CLOSING COSTS for Home Equity Line of Credit requests up to $100,000 (except for any required appraisal; borrower(s) pay for appraisal, collected upfront if required). For Home Equity Line of Credit requests in excess of $100,000, we offer a $500 credit towards closing costs. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475

Contact us

Call 800-732-0173.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Welcome to the Oregon State Credit Union Home Loan Center

Apply for a mortgage loan to buy or refinance a home, or tap into your home equity. When you’re ready, get personal help from a loan officer who specializes in your area. Plus, keep current and lock in Oregon State Credit Union’s1 best rates for your dream home.

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Get your Travel Card

Account login

Member ID

Password

Oregon State Credit Union member

As part of our change to a state charter, we’ve moved our online banking services to our new oregonstatecuonline.com domain. If you haven’t already done so, you may need to re-authenticate devices (PC, smart phone, tablet) you use to access your accounts online. For each device you will be asked to enter a one-time pass code received by voice call, text, or e-mail. We apologize for the inconvenience this might cause and we are excited to serve you through our new secure domain.

Shop smart for auto loans

* The 2.49% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payment and a .25% reduction for members in the Premier Member Merits category. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.49% APR will have a monthly payment of $177.43.

Footer Related Links

The subsequent web site is not operated by Oregon State Credit Union, and the Credit Union is not responsible for the content of the web site. Oregon State Credit Union does not represent either the third party or the member if the two enter into a transaction, and privacy and security policies may differ from those practiced by the Credit Union.